TOPEKA Mortgage Rates & Closing Costs

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Topeka averaged 6.79% for the week of 2025-04-03, compared to the national average of 6.64% for the same period.

The average rate for the prior week (2025-03-27) was 6.9% and one month ago for the week of 2025-02-27, the average rate was 6.81%.

Topeka's average rate one year ago was 6.74%.

For refis of the same type during the week of 2025-04-03, the average rate was 6.65%.

Loan Type Date Rate
US 30 Year Fixed Rate 2025-04-03 6.64%
Topeka 30 Year Fixed Rate 2025-04-03 6.79%
Topeka 30 Year Fixed Rate Refi 2025-04-03 6.65%
Topeka 15 Year Fixed Rate 2025-04-03 6.3%
Topeka 15 Year Fixed Rate Refi 2025-04-03 6.22%
Topeka 30 Year FHA 2025-04-03 6.43%
Topeka 30 Year FHA Refi 2025-04-03 6.36%
Topeka 30 Year USDA 2025-04-03 6.22%
Topeka 30 Year USDA Refi 2025-04-03 6.52%
Topeka 30 Year VA 2025-04-03 6.57%
Topeka 30 Year VA Refi 2025-04-03 5.47%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within TOPEKA, KS.

TOPEKA Top Lenders by Rates & Fees

The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the TOPEKA, KS market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).

Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
FLAT BRANCH MORTGAGE, INC. 201 6.81% $2,980
Envista Credit Union 169 6.69% $3,134
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 156 6.90% $3,142
QUICKEN LOANS, LLC 136 6.68% $5,237
Capitol Federal Savings Bank 88 6.34% $2,910
Azura Credit Union 51 6.94% $2,031
U.S. Bank 50 6.87% $2,438
Landmark National Bank 44 6.41% $2,392
NBH Bank 44 6.63% $2,695
Mid-America Bank 35 6.89% $2,314
CoreFirst Bank & Trust 33 6.75% $2,058
LEADERONE FINANCIAL CORPORATION 30 6.66% $4,962
UNITED WHOLESALE MORTGAGE, LLC 28 7.13% $4,639
Mr. Cooper ( Nationstar Mortgage ) 17 7.14% $5,268
Bank of the Flint Hills 16 6.86% $2,472
Mortgage Investment Services Corporation 16 6.96% $3,578
Bell Bank 15 6.70% $3,734
Central National Bank 15 6.59% $1,753
Flagstar Bank, FSB 14 6.99% $3,159
Farm Credit Mid-America, ACA 12 7.00% $8,948
NAVY FEDERAL CREDIT UNION 11 6.28% $2,623
PRIMELENDING, A PLAINSCAPITAL COMPANY 10 6.75% $3,670
UNION HOME MORTGAGE CORP. 10 7.00% $5,081
NBKC BANK 9 6.79% $2,865
NEWREZ LLC 9 7.29% $5,685
JPMorgan Chase Bank 9 7.15% $3,441
First State Bank of St. Charles, Missouri 8 6.70% $3,242
Bank of America 7 6.14% $2,794
LOANDEPOT.COM, LLC 7 6.58% $6,013
COMMUNITYAMERICA 7 6.79% $3,128
Wells Fargo Bank 7 6.84% $5,069
MOVEMENT MORTGAGE, LLC 6 6.71% $3,722
Mortgage Research Center, LLC 6 6.98% $2,458
Arvest Bank 6 6.81% $2,847
MUTUAL OF OMAHA MORTGAGE, INC. 6 6.85% $7,430
Equity Bank 6 7.29% $3,838
CHURCHILL MORTGAGE CORPORATION 5 7.15% $4,265
ENDEAVOR CAPITAL, LLC. 5 6.73% $4,862
ZILLOW HOME LOANS, LLC 5 7.28% $4,413
Truity Federal Credit Union 5 6.53% $2,089
Sunflower Bank 5 6.94% $3,759
BOKF 5 7.08% $4,084
GUILD MORTGAGE COMPANY 4 7.00% $2,763
The Central Trust Bank 4 6.50% $3,439
FREEDOM MORTGAGE CORPORATION 3 7.17% $7,117
Plains Commerce Bank 3 7.08% $9,239
COMMUNICATION 3 6.88% $3,251
BETTER MORTGAGE CORPORATION 3 6.42% $3,063
Discover Bank 3 7.47% $0
ESB Financial 3 6.67% $1,931
USAA Federal Savings Bank 3 7.00% $2,839
Intrust Bank 3 5.92% $2,865
Fidelity Bank 3 7.21% $2,480
ROYAL UNITED MORTGAGE LLC 3 7.50% $7,875
SUMMIT FUNDING, INC. 2 6.81% $4,735
American Mortgage & Equity Consultants, Inc. 2 7.18% $5,690
Armed Forces Bank 2 6.88% $4,141
COMMUNITY MORTGAGE, LLC 2 7.06% $2,744
CROSSCOUNTRY MORTGAGE, LLC 2 6.98% $5,254
Farmers Bank & Trust 2 6.31% $3,037
Fifth Third Bank 2 6.75% $2,593
FIRST COLONY MORTGAGE CORPORATION 2 6.38% $7,781
MEGASTAR FINANCIAL CORP. 2 7.13% $3,530
MERITRUST Federal Credit Union 2 6.38% $2,482
PREMIA MORTGAGE, LLC 2 6.48% $0
Prosperity Home Mortgage, LLC 2 8.13% $4,957
SIRVA MORTGAGE, INC. 2 6.56% $834
Stifel Bank and Trust 2 5.81% $2,334
Academy Bank 2 7.13% $2,852
THRIVENT Federal Credit Union 2 6.00% $3,745
UMB Bank 2 6.38% $2,732
MID AMERICAN 1 7.00% $2,892
Morgan Stanley Private Bank 1 5.78% $3,582
First National Bank of Omaha 1 7.13% $3,960
First Federal Bank 1 6.75% $2,906
Financial Funding Solutions, Inc. 1 5.99% $4,775
EVANSVILLE TEACHERS 1 6.63% $3,108
M&T Bank 1 6.88% $8,107
Emprise Bank 1 6.25% $2,454
DIGITAL Federal Credit Union 1 6.25% $2,571
Community National Bank & Trust 1 7.13% $3,353
CMG MORTGAGE, INC. 1 6.50% $5,728
Chickasaw Community Bank 1 7.38% $15,207
Old National Bank 1 6.00% $2,068
Paramount Residential Mortgage Group, Inc. 1 6.88% $3,653
PENTAGON FEDERAL CREDIT UNION 1 7.63% $13,140
PHH Mortgage Corporation 1 6.63% $6,526
Century Mortgage Company DBA Century Lending Company 1 6.13% $2,930
PLANET HOME LENDING, LLC 1 6.25% $2,120
PLAZA HOME MORTGAGE, INC. 1 6.00% $5,155
BAY EQUITY LLC 1 6.63% $6,193
PREMIER MORTGAGE RESOURCES, L.L.C. 1 7.50% $4,639
PRIMARY RESIDENTIAL MORTGAGE, INC. 1 6.75% $2,845
Carrington Mortgage Services, LLC 1 11.13% $8,706
Barrington Bank & Trust Company, N.A. 1 7.13% $3,775
PROVIDENT FUNDING ASSOCIATES, L.P. 1 6.50% $918
CARDINAL FINANCIAL 1 7.50% $10,041
RCB Bank 1 6.48% $1,923
RELIANCE FIRST CAPITAL, LLC 1 7.63% $1,928
Renasant Bank 1 8.13% $3,297
BROKER SOLUTIONS, INC. 1 7.50% $3,440
RUOFF MORTGAGE COMPANY, INC. 1 5.88% $3,237
S1L, Inc. 1 6.75% $3,873
Sierra Pacific Mortgage Company, Inc. 1 6.63% $3,652
Bankers' Bank 1 7.13% $3,744
AMERISAVE MORTGAGE CORPORATION 1 6.25% $5,043
Stride Bank 1 9.00% $3,458
American Mortgage Bank, LLC 1 6.00% $2,900
BMO Harris Bank 1 7.13% $3,144
BLACK HILLS FEDERAL CREDIT UNION 1 6.12% $4,623
The Farmers State Bank of Westmoreland 1 6.75% $2,737
West Gate Bank 1 7.63% $2,736
TruHome Solutions, LLC 1 6.13% $3,205
Truist 1 6.99% $2,406
HEARTLAND CREDIT UNION 1 7.38% $2,247
GUARANTEED RATE, INC. 1 7.13% $3,325
GOLDEN PLAINS 1 6.38% $2,431
GENEVA FINANCIAL, LLC 1 7.13% $3,285
FRONTIER COMMUNITY CREDIT UNION 1 6.63% $2,565
Logan Finance Corporation 1 8.75% $8,220
Beeline Loans, Inc. 1 8.13% $3,903
AMERICAN FINANCIAL NETWORK, INC. 1 7.13% $6,824
First United Bank and Trust Company 1 7.13% $3,820

TOPEKA Average Closing Costs & Other Stats

TOPEKA, KS's 123 lenders originated 5,023 loans during 2024. The total origination value was $856,315,000, with an average loan value of $170,479.

TOPEKA's average closing costs are $3,727.

The top TOPEKA lender as defined by loan originations is FLAT BRANCH MORTGAGE, INC., with 201 loans originated. Their average total fees are $2,980, which is $153 lower than the next largest lender, Envista Credit Union.

The lowest fee TOPEKA lenders (with over 10 loans originated) are Central National Bank ($1,753), Azura Credit Union ($2,031), CoreFirst Bank & Trust ($2,058), Mid-America Bank ($2,314) and Landmark National Bank ($2,392).

The lowest rate TOPEKA lenders (with over 10 loans originated) are NAVY FEDERAL CREDIT UNION (6.28%), Capitol Federal Savings Bank (6.34%), Landmark National Bank (6.41%), Central National Bank (6.59%) and NBH Bank (6.63%).

TOPEKA, KS Mortgage Market Share & Volume

Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.

Name 2023 Loan Value 2024 Loan Value % Change 2024 Market Share
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $46,635,000 $62,130,000 33.2% 7.3%
Envista Credit Union $46,575,000 $57,035,000 22.5% 6.7%
FLAT BRANCH MORTGAGE, INC. $15,905,000 $55,615,000 249.7% 6.5%
QUICKEN LOANS, LLC $38,830,000 $55,060,000 41.8% 6.4%
Capitol Federal Savings Bank $68,500,000 $34,355,000 -49.8% 4.0%
Mortgage Research Center, LLC $21,775,000 $31,135,000 43.0% 3.6%
COMMUNITYAMERICA $5,700,000 $29,410,000 416.0% 3.4%
CoreFirst Bank & Trust $34,890,000 $26,435,000 -24.2% 3.1%
Azura Credit Union $8,215,000 $24,415,000 197.2% 2.9%
Community National Bank $26,630,000 $24,240,000 -9.0% 2.8%
Community Bank $19,110,000 $19,500,000 2.0% 2.3%
UNITED WHOLESALE MORTGAGE, LLC $11,385,000 $19,305,000 69.6% 2.3%
NBH Bank $12,540,000 $18,255,000 45.6% 2.1%
U.S. Bank $17,355,000 $16,335,000 -5.9% 1.9%
The Denison State Bank $19,280,000 $15,605,000 -19.1% 1.8%
Landmark National Bank $49,585,000 $15,595,000 -68.5% 1.8%
Mid-America Bank $5,305,000 $12,900,000 143.2% 1.5%
ORIX REAL ESTATE CAPITAL, LLC $21,715,000 $11,600,000 -46.6% 1.4%
LEADERONE FINANCIAL CORPORATION $6,595,000 $11,285,000 71.1% 1.3%
The Bennington State Bank $400,000 $11,075,000 2,668.8% 1.3%
Kaw Valley Bank $10,930,000 $10,650,000 -2.6% 1.2%
FREEDOM MORTGAGE CORPORATION $4,095,000 $8,915,000 117.7% 1.0%
NAVY FEDERAL CREDIT UNION $4,525,000 $8,640,000 90.9% 1.0%
PENNYMAC LOAN SERVICES, LLC $2,010,000 $7,855,000 290.8% 0.9%
The Farmers State Bank $4,840,000 $7,810,000 61.4% 0.9%
Silver Lake Bank $9,260,000 $7,290,000 -21.3% 0.9%
Farm Credit Mid-America, ACA $4,110,000 $7,195,000 75.1% 0.8%
JONES LANG LASALLE MULTIFAMILY, LLC $6,745,000 n/a 0.8%
WALKER & DUNLOP, LLC $6,405,000 n/a 0.7%
Mr. Cooper ( Nationstar Mortgage ) $2,630,000 $6,375,000 142.4% 0.7%
Stockgrowers State Bank $6,630,000 $6,325,000 -4.6% 0.7%
Flagstar Bank, FSB $6,250,000 $6,070,000 -2.9% 0.7%
PRIMELENDING, A PLAINSCAPITAL COMPANY $2,450,000 $5,615,000 129.2% 0.7%
Bell Bank $3,140,000 $5,510,000 75.5% 0.6%
Bank of the Flint Hills $3,810,000 $5,315,000 39.5% 0.6%
THE KAW VALLEY STATE BANK AND TRUST COMPANY, OF WAMEGO, KANSAS $5,410,000 $5,285,000 -2.3% 0.6%
LYNDON STATE BANK $3,185,000 $5,000,000 57.0% 0.6%
UNION HOME MORTGAGE CORP. $2,350,000 $4,995,000 112.6% 0.6%
NEWREZ LLC $2,185,000 $4,940,000 126.1% 0.6%
USAA Federal Savings Bank $3,350,000 $4,900,000 46.3% 0.6%
Mortgage Investment Services Corporation $1,990,000 $4,760,000 139.2% 0.6%
Central National Bank $5,825,000 $4,145,000 -28.8% 0.5%
The Union State Bank of Everest $3,500,000 $4,055,000 15.9% 0.5%
MORTGAGE SOLUTIONS OF COLORADO, LLC $2,085,000 $4,040,000 93.8% 0.5%
NBKC BANK $2,455,000 $3,985,000 62.3% 0.5%
KS StateBank $1,130,000 $3,875,000 242.9% 0.5%
LOANDEPOT.COM, LLC $4,650,000 $3,535,000 -24.0% 0.4%
Equity Bank $4,535,000 $3,355,000 -26.0% 0.4%
First State Bank of St. Charles, Missouri $500,000 $3,280,000 556.0% 0.4%
FLINT HILLS BANK $3,435,000 $3,010,000 -12.4% 0.4%
GUILD MORTGAGE COMPANY $2,505,000 $2,740,000 9.4% 0.3%
MUTUAL OF OMAHA MORTGAGE, INC. $1,430,000 $2,695,000 88.5% 0.3%
PLANET HOME LENDING, LLC $480,000 $2,565,000 434.4% 0.3%
Intrust Bank $95,000 $2,435,000 2,463.2% 0.3%
Arvest Bank $2,830,000 $2,365,000 -16.4% 0.3%
CROSSCOUNTRY MORTGAGE, LLC $1,110,000 $2,360,000 112.6% 0.3%
MOVEMENT MORTGAGE, LLC $2,035,000 $2,340,000 15.0% 0.3%
First State Bank and Trust $2,020,000 $2,335,000 15.6% 0.3%
BOKF $4,350,000 $2,225,000 -48.9% 0.3%
AMERISAVE MORTGAGE CORPORATION $1,800,000 $2,200,000 22.2% 0.3%
Members Mortgage Services, L.L.C. $175,000 $2,160,000 1,134.3% 0.3%
Bank of America $1,385,000 $1,980,000 43.0% 0.2%
NEW DAY FINANCIAL, LLC $2,085,000 $1,920,000 -7.9% 0.2%
LAKEVIEW LOAN SERVICING, LLC $710,000 $1,840,000 159.2% 0.2%
Sunflower Bank $2,565,000 $1,830,000 -28.7% 0.2%
Wells Fargo Bank $2,400,000 $1,810,000 -24.6% 0.2%
Discover Bank $1,190,000 $1,805,000 51.7% 0.2%
Mutual Savings Association $1,300,000 $1,805,000 38.8% 0.2%
GNBank $2,435,000 $1,725,000 -29.2% 0.2%
Prosperity Home Mortgage, LLC $750,000 $1,700,000 126.7% 0.2%
BROKER SOLUTIONS, INC. $2,245,000 $1,575,000 -29.8% 0.2%
Armed Forces Bank $725,000 $1,565,000 115.9% 0.2%
TRIAD FINANCIAL SERVICES, INC. $2,450,000 $1,555,000 -36.5% 0.2%
CHURCHILL MORTGAGE CORPORATION $710,000 $1,510,000 112.7% 0.2%
Farmers Bank & Trust $1,505,000 n/a 0.2%
MID AMERICA MORTGAGE, INC. $1,705,000 $1,495,000 -12.3% 0.2%
Community First National Bank $1,260,000 $1,480,000 17.5% 0.2%
JPMorgan Chase Bank $1,395,000 $1,470,000 5.4% 0.2%
Equity Prime Mortgage LLC $1,025,000 $1,435,000 40.0% 0.2%
Truity Federal Credit Union $3,050,000 $1,435,000 -53.0% 0.2%
UMB Bank $2,605,000 $1,395,000 -46.4% 0.2%
ESB Financial $540,000 $1,345,000 149.1% 0.2%
ENDEAVOR CAPITAL, LLC. $4,375,000 $1,325,000 -69.7% 0.2%
COMMUNICATION $1,990,000 $1,300,000 -34.7% 0.2%
The First Security Bank $1,500,000 $1,275,000 -15.0% 0.1%
ZILLOW HOME LOANS, LLC $1,495,000 $1,270,000 -15.1% 0.1%
BETTER MORTGAGE CORPORATION $510,000 $1,260,000 147.1% 0.1%
Figure Lending LLC $205,000 $1,235,000 502.4% 0.1%
21ST MORTGAGE CORPORATION $500,000 $1,225,000 145.0% 0.1%
PEOPLES STATE BANK $530,000 $1,225,000 131.1% 0.1%
Carrington Mortgage Services, LLC $1,675,000 $1,210,000 -27.8% 0.1%
Exchange Bank & Trust $830,000 $1,200,000 44.6% 0.1%
SIRVA MORTGAGE, INC. $285,000 $1,170,000 310.5% 0.1%
COMMUNITY MORTGAGE, LLC $145,000 $1,160,000 700.0% 0.1%
The Central Trust Bank $835,000 $1,145,000 37.1% 0.1%
The Farmers State Bank of Westmoreland $195,000 $1,060,000 443.6% 0.1%
PENTAGON FEDERAL CREDIT UNION $635,000 $990,000 55.9% 0.1%
Morgan Stanley Private Bank $225,000 $985,000 337.8% 0.1%
PREMIA MORTGAGE, LLC $950,000 n/a 0.1%
Pinnacle Bank $945,000 n/a 0.1%
Citizens State Bank $1,390,000 $940,000 -32.4% 0.1%
Barrington Bank & Trust Company, N.A. $340,000 $935,000 175.0% 0.1%
MEGASTAR FINANCIAL CORP. $460,000 $915,000 98.9% 0.1%
American Mortgage Bank, LLC $910,000 n/a 0.1%
RCB Bank $340,000 $900,000 164.7% 0.1%
HOMESIDE FINANCIAL, LLC $880,000 n/a 0.1%
ROYAL UNITED MORTGAGE LLC $500,000 $800,000 60.0% 0.1%
MERITRUST Federal Credit Union $1,090,000 $780,000 -28.4% 0.1%
QUANTUM CREDIT UNION $745,000 n/a 0.1%
Sierra Pacific Mortgage Company, Inc. $390,000 $735,000 88.5% 0.1%
FIRST COLONY MORTGAGE CORPORATION $725,000 n/a 0.1%
Plains Commerce Bank $1,125,000 $720,000 -36.0% 0.1%
VANDERBILT MORTGAGE AND FINANCE, INC. $25,000 $635,000 2,440.0% 0.1%
Academy Bank $105,000 $620,000 490.5% 0.1%
FRONTIER COMMUNITY CREDIT UNION $395,000 $605,000 53.2% 0.1%
VILLAGE CAPITAL MORTGAGE $605,000 n/a 0.1%
GENEVA FINANCIAL, LLC $595,000 n/a 0.1%
Cornerstone Bank $585,000 n/a 0.1%
Fifth Third Bank $570,000 n/a 0.1%
LENDINGHOME FUNDING CORPORATION $570,000 n/a 0.1%
AMERICAN FINANCING CORPORATION $355,000 $565,000 59.2% 0.1%
American Mortgage & Equity Consultants, Inc. $1,485,000 $565,000 -62.0% 0.1%
SUMMIT FUNDING, INC. $195,000 $555,000 184.6% 0.1%
PLAZA HOME MORTGAGE, INC. $665,000 $545,000 -18.0% 0.1%
Lakeview Community Capital, LLC $540,000 n/a 0.1%
Fidelity Bank $340,000 $520,000 52.9% 0.1%
First Federal Bank $510,000 n/a 0.1%
GUARANTEED RATE, INC. $1,040,000 $485,000 -53.4% 0.1%
AXIA FINANCIAL, LLC $475,000 n/a 0.1%
BAY EQUITY LLC $760,000 $470,000 -38.2% 0.1%
West Gate Bank $465,000 n/a 0.1%
AMERICAN FINANCIAL NETWORK, INC. $245,000 $455,000 85.7% 0.1%
Coastal Community Bank $355,000 $455,000 28.2% 0.1%
Oakstar Bank $85,000 $455,000 435.3% 0.1%
GUARANTEED RATE AFFINITY, LLC $445,000 n/a 0.1%
Bankers' Bank $430,000 n/a 0.1%
First National Bank of Omaha $880,000 $425,000 -51.7% 0.0%
Old National Bank $225,000 $425,000 88.9% 0.0%
Flanagan State Bank $415,000 n/a 0.0%
CARDINAL FINANCIAL $1,045,000 $385,000 -63.2% 0.0%
Farmers and Merchants Bank $375,000 n/a 0.0%
RUOFF MORTGAGE COMPANY, INC. $65,000 $375,000 476.9% 0.0%
Stride Bank $365,000 n/a 0.0%
Gateway First Bank $360,000 n/a 0.0%
TJC Mortgage, Inc. $355,000 n/a 0.0%
Paramount Residential Mortgage Group, Inc. $155,000 $350,000 125.8% 0.0%
EVERETT FINANCIAL, INC. $340,000 n/a 0.0%
Stifel Bank and Trust $340,000 n/a 0.0%
First Bank $1,300,000 $335,000 -74.2% 0.0%
M&T Bank $335,000 n/a 0.0%
CANOPY MORTGAGE, LLC $325,000 n/a 0.0%
Chickasaw Community Bank $325,000 n/a 0.0%
Century Mortgage Company DBA Century Lending Company $315,000 n/a 0.0%
CMG MORTGAGE, INC. $510,000 $315,000 -38.2% 0.0%
Midwest Heritage Bank FSB $315,000 n/a 0.0%
FIRST HERITAGE BANK $530,000 $310,000 -41.5% 0.0%
Nations Lending Corporation $310,000 n/a 0.0%
BMO Harris Bank $1,125,000 $305,000 -72.9% 0.0%
S1L, Inc. $285,000 n/a 0.0%
THRIVENT Federal Credit Union $285,000 n/a 0.0%
FINANCE OF AMERICA REVERSE LLC $325,000 $280,000 -13.8% 0.0%
LONGBRIDGE FINANCIAL, LLC $280,000 n/a 0.0%
PNC Bank $205,000 $280,000 36.6% 0.0%
TOWER $255,000 n/a 0.0%
North American Savings Bank, F.S.B. $715,000 $245,000 -65.7% 0.0%
MID AMERICAN $205,000 $240,000 17.1% 0.0%
DELMAR FINANCIAL COMPANY $275,000 $235,000 -14.5% 0.0%
GSF Mortgage Corporation $575,000 $235,000 -59.1% 0.0%
JLB CORPORATION $620,000 $225,000 -63.7% 0.0%
MORTGAGEONE, INC. $225,000 n/a 0.0%
QUORUM FEDERAL CREDIT UNION $225,000 n/a 0.0%
AMERICAN HERITAGE LENDING, INC. $220,000 n/a 0.0%
Logan Finance Corporation $215,000 n/a 0.0%
TruHome Solutions, LLC $215,000 n/a 0.0%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $435,000 $205,000 -52.9% 0.0%
Commerce Bank $1,405,000 $200,000 -85.8% 0.0%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $195,000 n/a 0.0%
Labette Bank $195,000 n/a 0.0%
SPRING EQ, LLC $185,000 $190,000 2.7% 0.0%
AMERICAN PACIFIC MORTGAGE CORPORATION $480,000 $185,000 -61.5% 0.0%
Community National Bank & Trust $370,000 $185,000 -50.0% 0.0%
Hawthorn Bank $470,000 $185,000 -60.6% 0.0%
The Union State Bank $185,000 n/a 0.0%
Truist $185,000 n/a 0.0%
BLACK HILLS FEDERAL CREDIT UNION $175,000 n/a 0.0%
DIGITAL Federal Credit Union $265,000 $175,000 -34.0% 0.0%
HEARTLAND CREDIT UNION $175,000 $175,000 0.0% 0.0%
GERSHMAN INVESTMENT CORP. $165,000 n/a 0.0%
STAUNTON FINANCIAL, INC. $165,000 n/a 0.0%
Emprise Bank $910,000 $155,000 -83.0% 0.0%
Think Mutual Bank $280,000 $155,000 -44.6% 0.0%
Citibank $150,000 n/a 0.0%
EVANSVILLE TEACHERS $225,000 $145,000 -35.6% 0.0%
GOLDEN PLAINS $145,000 n/a 0.0%
Midwest Mortgage Associates Corporation $265,000 $145,000 -45.3% 0.0%
PRIMARY RESIDENTIAL MORTGAGE, INC. $260,000 $145,000 -44.2% 0.0%
PROVIDENT FUNDING ASSOCIATES, L.P. $145,000 $145,000 0.0% 0.0%
Service Federal Credit Union $145,000 n/a 0.0%
PHH Mortgage Corporation $65,000 $135,000 107.7% 0.0%
First United Bank and Trust Company $125,000 n/a 0.0%
PREMIER MORTGAGE RESOURCES, L.L.C. $125,000 n/a 0.0%
Renasant Bank $125,000 n/a 0.0%
Signature Federal Credit Union $265,000 $125,000 -52.8% 0.0%
TOP FLITE FINANCIAL, INC. $135,000 $125,000 -7.4% 0.0%
LOANPAL, LLC $230,000 $105,000 -54.3% 0.0%
The Citizens National Bank $160,000 $105,000 -34.4% 0.0%
V.I.P. MORTGAGE, INC. $105,000 n/a 0.0%
DOMINION FINANCIAL SERVICES, LLC $155,000 $95,000 -38.7% 0.0%
The Stock Exchange Bank $95,000 n/a 0.0%
CITIZENS EQUITY FIRST $480,000 $85,000 -82.3% 0.0%
Financial Funding Solutions, Inc. $115,000 $85,000 -26.1% 0.0%
TOWNE MORTGAGE COMPANY $85,000 n/a 0.0%
Transportation Federal Credit Union $85,000 n/a 0.0%
Beeline Loans, Inc. $75,000 n/a 0.0%
United Bank & Trust $410,000 $65,000 -84.1% 0.0%
KANSAS STATE UNIVERSITY Federal Credit Union $260,000 $45,000 -82.7% 0.0%
RELIANCE FIRST CAPITAL, LLC $45,000 n/a 0.0%
MAINSTREET FEDERAL CREDIT UNION $385,000 $35,000 -90.9% 0.0%
Baxter Credit Union $45,000 $25,000 -44.4% 0.0%
Citizens Savings and Loan Association, FSB $25,000 $25,000 0.0% 0.0%

TOPEKA's top lender by overall market share is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, with 7.3% market share. In second place, with 6.7%, is Envista Credit Union, having originated $57,035,000 in loans. In third place, with 6.5%, is FLAT BRANCH MORTGAGE, INC., having originated $55,615,000 in loans. In fourth place, with 6.4%, is QUICKEN LOANS, LLC, having originated $55,060,000 in loans. In fifth place, with 4.0%, is Capitol Federal Savings Bank, having originated $34,355,000 in loans.


TOPEKA Housing Market Trends (Median, Average Prices & Listing Count)

Realtor.com - TOPEKA (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
2018-01-01 $106,200 (-1.2%) $151,836 (1.5%) 0.39 566
2018-02-01 $110,000 (0.1%) $157,130 (2.1%) 0.40 568
2018-03-01 $114,900 (-1.9%) $159,102 (-2.3%) 0.40 555
2018-04-01 $116,450 (-4.9%) $170,246 (-1.9%) 0.39 546
2018-05-01 $119,938 (1.3%) $176,975 (3.8%) 0.40 565
2018-06-01 $125,000 (-2.5%) $184,672 (7.3%) 0.42 619
2018-07-01 $130,500 (8.8%) $183,644 (9.0%) 0.44 654
2018-08-01 $127,450 (8.5%) $181,595 (9.6%) 0.43 644
2018-09-01 $120,000 (9.2%) $171,694 (7.1%) 0.40 662
2018-10-01 $119,999 (4.5%) $168,513 (4.6%) 0.41 644
2018-11-01 $117,500 (9.1%) $162,557 (4.5%) 0.40 622
2018-12-01 $119,900 (11.5%) $165,190 (7.9%) 0.41 567
2019-01-01 $118,450 (11.5%) $167,198 (10.1%) 0.41 552
2019-02-01 $119,720 (8.8%) $176,298 (12.2%) 0.40 510
2019-03-01 $126,209 (9.8%) $183,340 (15.2%) 0.41 501
2019-04-01 $139,200 (19.5%) $188,926 (11.0%) 0.44 491
2019-05-01 $152,450 (27.1%) $191,640 (8.3%) 0.48 491
2019-06-01 $149,000 (19.2%) $182,288 (-1.3%) 0.47 522
2019-07-01 $149,900 (14.9%) $183,775 (0.1%) 0.47 512
2019-08-01 $149,245 (17.1%) $187,870 (3.5%) 0.47 506
2019-09-01 $148,263 (23.6%) $188,834 (10.0%) 0.47 500
2019-10-01 $146,212 (21.8%) $188,022 (11.6%) 0.47 504
2019-11-01 $134,900 (14.8%) $181,857 (11.9%) 0.44 526
2019-12-01 $125,000 (4.3%) $169,395 (2.6%) 0.42 485
2020-01-01 $127,975 (8.0%) $166,088 (-0.7%) 0.43 418
2020-02-01 $137,000 (14.4%) $174,542 (-1.0%) 0.45 381
2020-03-01 $147,800 (17.1%) $185,416 (1.1%) 0.46 379
2020-04-01 $152,475 (9.5%) $193,064 (2.2%) 0.48 367
2020-05-01 $165,000 (8.2%) $206,687 (7.9%) 0.50 305
2020-06-01 $152,450 (2.3%) $200,250 (9.9%) 0.45 292
2020-07-01 $131,975 (-12.0%) $194,724 (6.0%) 0.38 282
2020-08-01 $140,000 (-6.2%) $198,626 (5.7%) 0.40 273
2020-09-01 $138,725 (-6.4%) $196,702 (4.2%) 0.40 273
2020-10-01 $134,950 (-7.7%) $199,862 (6.3%) 0.39 253
2020-11-01 $142,450 (5.6%) $196,981 (8.3%) 0.42 257
2020-12-01 $142,450 (14.0%) $191,045 (12.8%) 0.42 233
2021-01-01 $146,200 (14.2%) $199,663 (20.2%) 0.44 191
2021-02-01 $147,500 (7.7%) $205,495 (17.7%) 0.43 152
2021-03-01 $154,850 (4.8%) $204,214 (10.1%) 0.44 159
2021-04-01 $157,725 (3.4%) $226,037 (17.1%) 0.43 158
2021-05-01 $160,000 (-3.0%) $224,490 (8.6%) 0.43 177
2021-06-01 $152,500 (0.0%) $219,628 (9.7%) 0.40 216
2021-07-01 $172,273 (30.5%) $231,245 (18.8%) 0.45 255
2021-08-01 $164,500 (17.5%) $221,169 (11.4%) 0.44 247
2021-09-01 $171,250 (23.5%) $227,269 (15.5%) 0.46 253
2021-10-01 $168,750 (25.1%) $215,427 (7.8%) 0.45 253
2021-11-01 $165,532 (16.2%) $206,148 (4.7%) 0.44 226
2021-12-01 $160,894 (13.0%) $218,073 (14.2%) 0.44 185
2022-01-01 $154,950 (6.0%) $230,781 (15.6%) 0.42 124
2022-02-01 $179,250 (21.5%) $249,527 (21.4%) 0.47 117
2022-03-01 $179,950 (16.2%) $251,413 (23.1%) 0.45 128
2022-04-01 $182,450 (15.7%) $255,260 (12.9%) 0.43 151
2022-05-01 $213,200 (33.3%) $273,493 (21.8%) 0.49 174
2022-06-01 $219,975 (44.3%) $273,298 (24.4%) 0.49 202
2022-07-01 $210,000 (21.9%) $268,019 (15.9%) 0.47 220
2022-08-01 $229,750 (39.7%) $341,969 (54.6%) 0.53 210
2022-09-01 $229,900 (34.3%) $317,040 (39.5%) 0.54 225
2022-10-01 $229,000 (35.7%) $306,636 (42.3%) 0.54 273
2022-11-01 $232,450 (40.4%) $369,855 (79.4%) 0.56 326
2022-12-01 $227,450 (41.4%) $382,683 (75.5%) 0.56 283
2023-01-01 $241,738 (56.0%) $404,744 (75.4%) 0.60 232
2023-02-01 $244,500 (36.4%) $373,530 (49.7%) 0.59 215
2023-03-01 $249,375 (38.6%) $372,212 (48.1%) 0.59 182
2023-04-01 $238,700 (30.8%) $347,461 (36.1%) 0.56 202
2023-05-01 $267,463 (25.5%) $359,135 (31.3%) 0.61 204
2023-06-01 $292,000 (32.7%) $369,275 (35.1%) 0.66 225
2023-07-01 $279,900 (33.3%) $363,350 (35.6%) 0.64 258
2023-08-01 $268,000 (16.7%) $334,163 (-2.3%) 0.62 269
2023-09-01 $249,950 (8.7%) $327,696 (3.4%) 0.58 309
2023-10-01 $233,075 (1.8%) $306,185 (-0.2%) 0.55 362
2023-11-01 $229,800 (-1.1%) $290,203 (-21.5%) 0.55 354
2023-12-01 $226,950 (-0.2%) $295,014 (-22.9%) 0.55 304
2024-01-01 $234,925 (-2.8%) $298,522 (-26.2%) 0.57 235
2024-02-01 $236,175 (-3.4%) $298,598 (-20.1%) 0.57 236
2024-03-01 $249,900 (0.2%) $320,183 (-14.0%) 0.59 213
2024-04-01 $255,000 (6.8%) $316,568 (-8.9%) 0.59 242
2024-05-01 $267,000 (-0.2%) $749,948 (108.8%) 0.61 253
2024-06-01 $255,500 (-12.5%) $309,836 (-16.1%) 0.58 274
2024-07-01 $249,900 (-10.7%) $304,563 (-16.2%) 0.57 283
2024-08-01 $249,900 (-6.8%) $307,415 (-8.0%) 0.58 317
2024-09-01 $245,550 (-1.8%) $306,473 (-6.5%) 0.58 319
2024-10-01 $249,125 (6.9%) $292,936 (-4.3%) 0.59 352
2024-11-01 $239,000 (4.0%) $275,803 (-5.0%) 0.57 390
2024-12-01 $219,950 (-3.1%) $263,164 (-10.8%) 0.55 331
2025-01-01 $219,900 (-6.4%) $264,344 (-11.5%) 0.55 284
2025-02-01 $230,000 (-2.6%) $276,774 (-7.3%) 0.56 224
2025-03-01 $249,900 (0.0%) $299,311 (-6.5%) 0.00 254
TOPEKA's median listing price for 2025-03-01 was $249,900, a difference of $0 (0.0%) versus the prior year and $19,900 versus the prior month.

TOPEKA's median listing price comes in at 0% of the national average.

TOPEKA's average listing price for 2025-03-01 was $299,311, a difference of $-20,872 (-6.5%) versus the prior year and $22,537 versus the prior month.

For the 2025-03-01 period, TOPEKA had 254 MLS listings, a difference of 30 listings (13%) versus the prior month and 41 listings (19%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - TOPEKA (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 69 days 1,589 sqft
2018-02-01 58 days 1,612 sqft
2018-03-01 44 days 1,628 sqft
2018-04-01 40 days 1,667 sqft
2018-05-01 37 days 1,670 sqft
2018-06-01 35 days 1,700 sqft
2018-07-01 37 days 1,734 sqft
2018-08-01 42 days 1,671 sqft
2018-09-01 44 days 1,600 sqft
2018-10-01 45 days 1,600 sqft
2018-11-01 55 days 1,585 sqft
2018-12-01 60 days 1,586 sqft
2019-01-01 63 days 1,587 sqft
2019-02-01 62 days 1,610 sqft
2019-03-01 51 days 1,658 sqft
2019-04-01 35 days 1,701 sqft
2019-05-01 37 days 1,765 sqft
2019-06-01 36 days 1,786 sqft
2019-07-01 38 days 1,772 sqft
2019-08-01 42 days 1,768 sqft
2019-09-01 40 days 1,769 sqft
2019-10-01 40 days 1,755 sqft
2019-11-01 45 days 1,700 sqft
2019-12-01 53 days 1,665 sqft
2020-01-01 59 days 1,643 sqft
2020-02-01 52 days 1,660 sqft
2020-03-01 36 days 1,679 sqft
2020-04-01 39 days 1,788 sqft
2020-05-01 32 days 1,799 sqft
2020-06-01 24 days 1,729 sqft
2020-07-01 24 days 1,627 sqft
2020-08-01 29 days 1,631 sqft
2020-09-01 25 days 1,591 sqft
2020-10-01 28 days 1,637 sqft
2020-11-01 28 days 1,634 sqft
2020-12-01 30 days 1,568 sqft
2021-01-01 37 days 1,620 sqft
2021-02-01 29 days 1,639 sqft
2021-03-01 16 days 1,600 sqft
2021-04-01 13 days 1,560 sqft
2021-05-01 12 days 1,643 sqft
2021-06-01 14 days 1,658 sqft
2021-07-01 18 days 1,719 sqft
2021-08-01 22 days 1,676 sqft
2021-09-01 22 days 1,692 sqft
2021-10-01 27 days 1,681 sqft
2021-11-01 32 days 1,678 sqft
2021-12-01 38 days 1,647 sqft
2022-01-01 31 days 1,634 sqft
2022-02-01 22 days 1,682 sqft
2022-03-01 12 days 1,749 sqft
2022-04-01 24 days 1,716 sqft
2022-05-01 26 days 1,757 sqft
2022-06-01 20 days 1,777 sqft
2022-07-01 27 days 1,768 sqft
2022-08-01 31 days 1,836 sqft
2022-09-01 28 days 1,845 sqft
2022-10-01 32 days 1,820 sqft
2022-11-01 36 days 1,751 sqft
2022-12-01 43 days 1,716 sqft
2023-01-01 59 days 1,729 sqft
2023-02-01 61 days 1,706 sqft
2023-03-01 47 days 1,783 sqft
2023-04-01 33 days 1,697 sqft
2023-05-01 29 days 2,010 sqft
2023-06-01 25 days 2,147 sqft
2023-07-01 28 days 2,107 sqft
2023-08-01 31 days 1,897 sqft
2023-09-01 30 days 1,902 sqft
2023-10-01 36 days 1,779 sqft
2023-11-01 39 days 1,752 sqft
2023-12-01 47 days 1,775 sqft
2024-01-01 57 days 1,782 sqft
2024-02-01 50 days 1,815 sqft
2024-03-01 38 days 1,836 sqft
2024-04-01 32 days 1,828 sqft
2024-05-01 34 days 1,902 sqft
2024-06-01 32 days 1,882 sqft
2024-07-01 36 days 1,822 sqft
2024-08-01 37 days 1,894 sqft
2024-09-01 38 days 1,881 sqft
2024-10-01 37 days 1,841 sqft
2024-11-01 40 days 1,729 sqft
2024-12-01 45 days 1,734 sqft
2025-01-01 58 days 1,676 sqft
2025-02-01 61 days 1,707 sqft
2025-03-01 0 days 1,774 sqft
TOPEKA's median listing age (time on market) for 2025-03-01 was 0 days. This is -100% shorter than the same period one year ago.

TOPEKA's median square footage for active listings during the 2025-03-01 period was 1,774 sqft. One year prior, the average listing was 1,836 sqft.

TOPEKA, KS Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 2,715 $550,715,000 $202,842
Cash Out Refi 802 $106,300,000 $132,544
Refi 638 $144,160,000 $225,956
Home Improvement 464 $29,370,000 $63,297
Other 404 $25,770,000 $63,787

Topeka's most frequently cited loan purpose was Home Purchase, with 2,715 originations. The 2nd most popular reason was Cash Out Refi, with 802 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 1,932 $386,690,000 $200,150
7-8% 924 $138,750,000 $150,162
Over 8% 844 $64,630,000 $76,576
5-6% 425 $116,085,000 $273,141
4-5% 26 $4,850,000 $186,538
<2.5% 14 $510,000 $36,429
2.5-3% 5 $795,000 $159,000
3-4% 3 $325,000 $108,333

During 2024, Topeka's most frequently originated rate bucket was 6-7%, with 1,932 originations.

Loan Sizing (TOPEKA, KS MSA)

Loan Size Originations Total Value Average Loan
$100,000 or less 1,933 $102,155,000 $52,848
$100k-200k 1,616 $237,720,000 $147,104
$200k-400k 1,234 $333,190,000 $270,008
$400k-600k 189 $89,305,000 $472,513
$600k-1000k 36 $26,950,000 $748,611
$Over $1MM 15 $66,995,000 $4,466,333

TOPEKA's loan sizing saw the bucket of loans from $100,000 or less with 1,933 originations, totaling $102,155,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 1,752 $380,280,000 $217,055
60-80% 772 $175,940,000 $227,902
Under 20% 589 $21,045,000 $35,730
20-40% 557 $41,975,000 $75,359
40-60% 338 $49,310,000 $145,888
Over 100% 60 $30,470,000 $507,833

TOPEKA's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,752 originations, totaling $380,280,000 in origination value.